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Trolls
Best response is no response.
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Bank statements
I have heard that lenders these days check affordability by looking through bank statements. I have a DMP with payplan so each month a direct debit goes to them. I guess that's going to raise questions even though the debts are so old they don't show on my credit file anymore. So - will a lender check all bank accounts or…
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Middle names on forms - Does it matter?
We are quite far down the line in a property sale and purchase, and I have just realised my name on all the documents doesn't include my middle name. The 2 pieces of ID, my driving licence and bank statement, both don't have my middle name on so my solicitors have obviously assumed I don't have one. If I had used my…
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Unresponsive Land registry charge orders
There are two charge orders on our property that we wish to settle, but the original claimants have presumably sold/moved the dept on and we can no longer trace them. (Solicitor included) Anybody out there know of any president to have these discharged after due diligence without success from locating the creditors? Any…
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London Help to Buy- worth doing?
We are in the process of looking for somewhere to buy in SE London. Everything proving to be very expensive indeed and certainly 2 bed houses are out of our league. I saw this advertised in the Evening Standard- for a new development in a place called Lower Sydenham. https://www.crestnicholson.com/developments/dylon-works/…
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Dilemma; Rent or Sell?
I am dealing with the estate of my father, who died in July 2016, on behalf of my mother for whom I obtained LPoA in September 2016. Dad’s estate is pretty straightforward as most of the assets were in Mom’s name anyway, and apart from expenses and a small legacy to myself, his estate was left to her. Mom is in a care home…
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DIY conveyancing with Right to Buy council house
I am just coming to the end of the DIY conveyancing of mother in law's house. Apparently it was the first time that the council had come upon this but they co-operated quite nicely. It was a steep learning curve even though I have done DIY conveyancing before and been involved in 2 solicitor led conveyances this year. I am…
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Any Propertytribes members out there? How do I access my user profile?
Having innocently OKd a few topics, I'm now getting the life spammed out of me by Propertytribes. But cannot access my user profile to adjust this. There's supposed to be a Profile link top left next to my avatar after I log in. But neither exist (tried IE and Firefox) there's just a blank space. Anyone else got this? Is…
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Feeling pressured into paying tenancy renewal fees every 6 months
My partner and I moved in with one of his friends in 2014. The initial contract we signed was for 6 months, for me this seemed pretty normal, all my previous tenancies had been 6 months fixed then onto a rolling/unfixed contract after that ended. I've never had any trouble with this and assumed it would be the same again.…
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No communications with Landlord
Hi, I have been renting my current house for about 4 years now. The last 12 month tenancy ran from 14/10/2015 to 13/10/2016. I contacted the landlord via phone a month before the end of the tenancy agreement to ask for another one. He said that would be fine and would sort out the paperwork. At the end of the tenancy,…
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Professional cleaning not good enough for end of tenancy inspection?
After living in a privately rented house for seven years, paying rent on time every month and submitting to a letting agent inspection twice a year - I passed each time except for once when I was told that the carpet by my front door was getting dingy so I responded by shampooing the carpet - I was given a Section 21…
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End of tenancy cleaner took my posessions
Good evening, My girlfriend and I have just ended our tenancy for a furnished flat as I am moving to somewhere with a bit more space and is unfurnished meaning that we have been able to take our own furniture out of storage. One of the stipulations on my rental contract was that I have to have the flat professionally…
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Broken drain pipe, Insurance claim
Hi ladies and gents, I am after a bit of advice regarding my situation. I own a ground floor garden flat in London and have joint building insurance with 1st floor flat owner. I have been having some minor damp issues in my flat due to high ground level around the house so I arranged a landscaper gardener to remove the…
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Electric only house
Hi all, I have had an offer accepted on a 3 bed terraced house and I am contemplating what to do with the heating, if anything, when I complete. It is currently electric only and was built in 2000 (its a shame they don't just build houses with GCH in this day and age). I have a few options: 1) Leave it as it is and just…
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How related is relative?
Reading about renting to relatives, I was wondering how close you have to be for it to be an issue? There's me, I have a daughter who is married to her husband. Husband has a mum who owns a house and rents it out If his mum rented her house to her son and daughter in law (my daughter) that comes under renting to family.…
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Moving abroad - selling home and capital gains tax
Hi, I currently live in the UK, I am a UK citizen and I own my own home (for over 5 years). I am due to be shortly moving to mainland Europe and need to know what happens with regards to selling my home and capital gains tax. I will be renting in mainland Europe and, if everything goes ok, would look to sell my house in…
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£1000 tax break on property income - details
My wife and I are just about to buy a flat as an investment. With the recently announced tax break of £1000 a year of income from property I am thinking about changing the deeds before we complete. At the moment it will be mostly owned by my wife so it is tax efficient as I am a higher rate tax payer and my wife isn't. I…
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Nationwide consent to let - leasehold
hey there, I'm waiting on paperwork to apply for consent to let. the telephone operative advised that if I own a leasehold property I have to get the freeholders consent for the application. I have a terraced house and the lease is from 1893! I haven't got a copy of the lease but I will be requesting from land registry. If…
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Retrospective payment for breaking lease
Hi all, just looking for some advice on this situation. My partner was living with a friend for a period of time then we decided to move into together. They had contacted the letting agent to inform them that she would be moving out but her friend would remain, so she would take over the lease. My partner was the main…
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My best options for empty house
Hey guys, hope this hasn't already been asked. I would be grateful for some advice. I am currently on a working holiday visa in Australia and have been renting out my house through an agent. Everything had been going ok more or less, but the tenant has now ended her tenancy so it will be empty for 2 months until we get…
